Questions & answers · Pet insurance
What does Central States Indemnity Co. of Omaha's pet insurance policy say about cancelling and getting a refund?
AI-drafted from filed documents · reviewed: pendingcancellation and refundsCentral States Indemnity Co. of Omaha
Under Central States Indemnity Co. of Omaha’s filed form for Alabama (AL), you may cancel the policy anytime by giving written notice, and the cancellation takes effect on the date the insurer receives the notice [1]. If you cancel during the first 14 days of coverage and no claims have been filed, you receive a full refund of the premium [1]. If you cancel after the 14th day of coverage or after a claim has been filed, the premium is refunded on a pro-rata basis [1]. The insurer may cancel the policy for failure to pay a premium owed by the due date, concealment or failure to disclose a pre-existing condition during enrollment, or misrepresentation or fraud in the application or claims process [1]. In such cases, unearned premium is refunded on a pro-rata basis [1].
Under the Georgia (GA) form, if the insurer cancels the policy, the refund is pro-rata unless cancellation results from your failure to pay a premium when due or any amount due under a premium finance agreement, in which case the refund may be less than pro-rata [2]. If you cancel, the refund may be less than pro-rata [2]. Cancellation is effective even if no refund has been made or offered [2]. Notice must be delivered in person or by depositing it in the United States mail for first-class delivery to your last address of record or other specified party, with proof of mailing [2].
These rules apply only to the specific state forms listed. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] Central States Indemnity Co. of Omaha · AL · SERFF CSIN-126586081 · p. 7 · Form 11852 Rev.
CANCELLATION AND TERMINATION OF INSURANCE You may cancel Your Policy anytime by giving written notice to Us. The effective cancellation date is the date that We receive written notice. As long as no claims have been filed, You may cancel Your Policy during the first 14 days of coverage and receive a full refund of premium. If You cancel Your Policy after the 14th day of coverage, or if You cancel Your Policy after a claim has been filed, the premium will be refunded on a pro-rata basis. We may cancel Your Policy subject to State law and regulations, by notifying You in writing, for Your failure to pay premium owed by the due date, or Your concealment or failure to disclose a Pre- Existing Condition during enrollment, or Our subsequent finding that Your pet has an Uninsurable Condition or Non-enrollable Condition that was present at enrollment, or Your misrepresentation or fraud in securing coverage in the application process or in the claims process, or Your failure to cooperate in Our attempt to investigate a claim. Unearned premium will be refunded to You on a pro-rata basis. By signing below, the President and the Secretary of the Insurer agree on behalf of the Insurer to all the terms of this Policy.
[2] Central States Indemnity Co. of Omaha · GA · SERFF CSIN-126247264 · p. 2 · Form 11807
3. Premium Refund a. If this “Policy” is cancelled, “We” will send “You” any premium refund due. b. If “We” cancel, the refund will be pro rata, except as provided in c. below. c. If the cancellation results from “Your” failure to pay, when due, any premium to “Us” or any amount, when due, any premium to “Us” or any amount, when due, under a premium finance agreement, then the refund may be less than pro rata. Calculation of the return premium at less than pro rata represents a penalty charged on unearned premium. d. If “You” cancel, the refund may be less than pro rata. e. The cancellation will be effective even if “We” have not made or offered a refund. 4. Pursuant to Georgia Insurance Code §33-24-44.1, notice shall be delivered in person or by depositing the notice in the United States mail to be dispatched by at least first-class mail to “Your” last address of record, governmental agency, mortgagee, or other third party, where applicable, and receiving the receipt provided by the United Postal Service or such other evidence of mailing as prescribed or accepted by the United States Postal Service.
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q9deab411. Spotted an error? Tell us.